To some, life on two wheels is the only option. They live the ride-or-die lifestyle all day every day. To others, a motorcycle is a fast way to break out of the day-to-day routine or 9-to-5 work week. There are also the mid-life crisis riders. But no matter who, how, where or why, protection is a must for all.
Our independent insurance agents understand the risks of riding and will do everything they can to make sure you have the right coverage in place to protect your fearless passion.
Why Do I Need Motorcycle Insurance?
While owning a motorcycle is a great way to blow your hair back in life, it does come with risks.
Even more dangerous than getting injured yourself is the possibility of not being properly insured and facing damaging lawsuits, massive medical bills and more. Plus, if you lease or have a loan, there’s a pretty good chance your lender will require this coverage.
In 2015 alone:
We hate to be a bunch of Debbie Downers, but stats like these are an unfortunate reality. Which is why it’s extremely important to make sure you’re set with the right coverage to keep your life on two wheels rolling.
What Does Motorcycle Insurance Cover?
In general, a motorcycle insurance policy is similar to an auto policy. It’s three forms of tasty liability coverage, all wrapped up in one beefy insurance burrito of protection.
The three different forms of motorcycle liability insurance:
- Bodily liability for one person: Covers treatment costs if someone is hurt.
- Bodily liability for all people involved: Covers treatment costs if multiple people are hurt.
- Property liability: Covers repair costs if property gets damaged.
With bike insurance, you set your protection limits. So if you purchase a 10/20/10 plan, your insurance company will pay up to $10,000 in medical care for one person, $20,000 for all injuries, and $10,000 in property damage.
So before you run off to your independent insurance agent and say, “I’ll take the minimum, please,” consider the financial burden on your life if you should get in a severe accident. If the costs of the crash exceed your limits, the rest is out of pocket. How comfortable are you with that?
What Are the Motorcycle Insurance Requirements?
Well, it’s tricky. Each state is different. All the states besides Washington, Montana and Florida require liability insurance at a minimum, but the coverage amounts are up to you in most cases. Even if there weren’t requirements, just knowing you are protected from a financial disaster is worth the premium.
How Much Does Motorcycle Insurance Cost?
Motorcycle insurance premiums can range anywhere from a couple hundred bucks to more than $1,000 per year—varying by state, company and a whole saddlebag full of other factors.
Factors that can affect cost:
- Where you live: Nearly every state has different minimum liability limits, as well as requirements for collision coverage.
- What you ride: The make, model and year of your motorcycle will affect the cost of insurance. Just like a car, a new bike costs more to repair or replace than an old one. And if you’ve souped it up with a turbo kit or a more powerful engine, you can expect your premium to reflect that.
- Who you are: Your age and driving history are also taken into consideration with liability insurance. Statistically speaking, younger drivers are more likely to be in a serious accident, which means the cost of coverage is higher. Motorists with a history of collisions and traffic violations will also pay more.
- How you ride it: If you use your bike every day to get to and from work, your risk for an accident is higher. If you only take it out for weekend joyrides, you are not as likely to encounter as many hazards.
- Where you keep it: If you keep your motorcycle locked in a garage when not in use, this will result in lower premiums than if you leave it on the street.
The Benefits of Bundling Motorcycle Insurance
Saving a few bucks is always in your best interest. After all, chaps aren’t cheap. So while the cost of your motorcycle insurance policy isn’t really in your control, we can help you lower it. How? Glad you asked. You bundle it.
In most cases, you can bundle your motorcycle policy and auto policy to receive a nice little discount. Consolidating your policies within one agency will definitely help save you a fair amount, not to mention make it easier to manage it all during the claim process.
So talk to your independent insurance agent and let them help guide you to where you want to go.
Comparing Motorcycle Insurance Quotes
It’s not always about finding the best price for motorcycle insurance. Our gifted agents will review your needs and help you evaluate the best motorcycle insurance coverage for you. They’ll also compare policies and quotes from multiple insurance companies to make sure you have the right protection in place. So you’ll have that going for you.
The Lowdown on Online Motorcycle Insurance Quotes
We know what you’re really looking for — fast and easy motorcycle insurance quotes in 30 seconds or less. We get it, you want the goods ASAP, but choosing speed over accuracy can cause endless rain on your life’s parade.
Robots and algorithms may be quick, but online companies might leave out cost-cutting options or leave in factors that assume higher risk, resulting in a pricier policy.
Not only that, our competitors may sell your info to multiple companies, which can result in calls, on calls, on calls. We flipped the script on this process and give YOU the info and options to connect with an independent insurance agent.
Why Go with an Independent Insurance Agent?
Independent agents will walk you through a handpicked selection of policies from all the best motorcycle insurance companies. Not only that, they’ll cut the jargon and clarify the fine print, so you know exactly what you’re getting.
Most importantly, they’ll be there to help you file a claim. The outcome of insurance claims can be strongly impacted by how the process is approached and handled.